Personal Loans
Transform your big ideas into reality
Your goals, your terms. Borrow up to $65,000 with a loan that’s tailored to you.
Quick rate estimate in as little as 60 seconds. Apply in 10 Minutes. Enjoy Funds in as little as 24hrs from approval.
We're a multi-award winning personal lender
With our simple application process, you can enjoy a stress-free personal loan experience that suits your needs.
Borrow up to $65,000
1-7 year loan terms
Fast funds in as little as 24hrs from approval
$0 monthly fee
Personalised interest rate
See how our rates stack up
Compare our personal loan interest rates against the big 4 banks (including CommBank, Westpac, ANZ, & NAB)
Products shown do not represent all rates available from all lenders, or all rates available from the lenders presented. Plenti's interest rate is based on a borrower with an exceptional credit history using rates and fees applicable as at 17 December 2025. Plenti’s comparison rate is based on a $30,000 unsecured personal loan, repaid over a loan term of 5 years. More information on this comparison tool
Why Choose a Plenti Personal Loan?
Personalised rates
Our rates reward your good credit history.
Fast and Easy Application
Fast Funds
Get your funds in as little as 24 hours after approval.
Borrow up to $65,000
Applying for a Plenti personal loan is easy
Get your rate
1 minute, 10 simple questions. It's all we need to estimate the rate on your personal loan.
Apply in minutes
Complete your quick and easy application, all online.
Enjoy your funds
Once approved and accepted we’ll transfer your funds which could take as little as 24hrs.
Personal loan repayment calculator
Find out how much your loan repayments could be with a Plenti unsecured personal loan.
Personal loans for all your big ideas
Car Loans
Get the keys to your dream car
Debt Consolidation Loans
Simplify your finances
Renovation Loans
Turn your house into a home
Boat loans
Cover travel costs for your dream getaway
Wedding loans
Finance your big day
Medical loans
Take charge of your health
Motorbike loans
Finance your new bike
Moving cost loans
Make relocating easy.
A 5-star experience from start to end
Turn your somedays into today with an award-winning* fintech lender.
Your questions answered
Applying for a personal loan
Complete your online application in 3 easy steps:
- Get your rate estimate - Answer 10 quick questions to see your personalised interest rate estimate in as little as 60 seconds, without impacting your credit score.
- Submit your application - This can be done in as little as 10 minutes. Once we have received all relevant documents, you could be approved in as quickly as 1 business day. If needed, we'll contact you for further information.
- Get your funds - Once approved and accepted, you can receive your funds in as little as 24 hours.
General
You can use a Plenti personal loan for various purposes, including home renovations, travel, buying a car, moving expenses, debt consolidation, weddings, and medical bills.
Interest explained
When you apply for a Plenti Personal Loan you’ll get a personalised interest rate based on your credit history. If you have demonstrated good credit behaviour you may be offered a lower interest rate. On the other hand, if your credit history isn’t very good, you may be offered a higher interest rate.
Credit Score
Before applying for a personal loan, it's essential to check your credit score. Your credit score reflects your borrowing history and repayment habits. You can obtain a free copy of your credit report and score every three months by contacting credit reporting agencies like Equifax, illion or Experian by following the links below:
Before applying for a personal loan, it's essential to check your credit score. Your credit score reflects your borrowing history and repayment habits. You can obtain a free copy of your credit report and score every three months by contacting credit reporting agencies like Equifax, illion or Experian by following the links below:
After checking your credit score, check how much you can borrow with our personal loan calculator.
